Merchants & Medical Credit Corporation (MMCC) is a medical billing and collection agency in Flint, Michigan, established in 1960. It collects mainly for healthcare providers, and also for education, finance, insurance and property management clients.
- Type
- Collection agency
- Also known as
- Merchants and Medical Credit Corporation, Inc.; MMCC
- Headquarters
- Flint, MI
- Collects
- hospital and medical bills, education balances, finance accounts, insurance accounts, property management balances
- Phone numbers it lists
- (800) 562-0273, (800) 225-8770
- Website
- mermed.com
204 debt collection complaints were sent to the Consumer Financial Protection Bureau about Merchants and Medical Credit Corporation, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Merchants & Medical Credit Corporation?
Merchants & Medical Credit Corporation, known as MMCC, says it was established in Michigan on January 18, 1960. It describes itself as an agency providing medical billing and collection services to local, state and national clients. All of its collection work runs from a single office at 6324 Taylor Drive, Flint, Michigan 48507; the company says it keeps no branch offices.
MMCC's website lists NMLS number 932674 and New York City consumer affairs license 0981507, and says it is licensed or bonded in all 50 states. Its main toll-free number is (800) 562-0273, and its consumer warning page directs people to (800) 225-8770. We did not find a CFPB enforcement action against Merchants & Medical Credit Corporation.
Why Merchants & Medical Credit Corporation May Be Contacting You
The "Medical" in the name reflects most of its work. MMCC says its portfolio covers healthcare, education, finance, insurance and property management, and it also offers insurance billing support to providers. A letter from MMCC most often concerns a hospital, physician or clinic balance, though it could also be an unpaid school bill, a loan or an apartment balance.
MMCC posts a specific warning about a third-party bill-pay site, doxo.com, which it says is not affiliated with MMCC and may charge extra fees. To pay MMCC directly, follow the instructions in its letter or call its office.
How to Check a Debt Merchants & Medical Credit Corporation Says You Owe
With a medical account, the key question is often whether insurance was billed correctly before the account was sent out.
- Compare the validation notice to your records. It must name the provider and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the itemized hospital or physician bill and the insurance explanation of benefits for each date of service.
- Check for financial assistance. Nonprofit hospitals have charity-care policies; ask the provider whether you applied or qualify.
- Confirm who holds the account. Ask whether the provider still owns the balance.
- Know the deadline to sue. Texas generally sets four years for suits on consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
If the bill is from a Texas hospital or other licensed Texas facility, the provider generally must send an itemized bill before pursuing collection; see our note on Texas SB 490.
What Merchants & Medical Credit Corporation Can and Can't Do
An agency that regularly collects consumer debts for healthcare providers and other creditors is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not report a medical debt it knows is disputed without saying so (15 U.S.C. § 1692e(8)). See our note on medical debt reporting changes.
- It may not reveal your medical debt to third parties such as your employer (15 U.S.C. § 1692c(b)).
- It may not add charges the provider's agreement doesn't allow (15 U.S.C. § 1692f(1)).
- It may not call before 8 a.m. or after 9 p.m. your time without your consent (15 U.S.C. § 1692c(a)(1)).
Read about medical bill lawsuits in Texas, or visit our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Merchants & Medical Credit Corporation or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Merchants & Medical Credit Corporation: home page
- Merchants & Medical Credit Corporation: About
- Merchants & Medical Credit Corporation: Consumer Warning
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Merchants and Medical Credit Corporation, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Merchants & Medical Credit Corporation has violated any law. Company details change; tell us if something here is out of date.